Credit score crimes E-book

To a bank, your credit score isn’t just a number—it’s a Price Tag.

Being in the “Red Zone” triggers an invisible tax on every dollar you borrow, potentially costing you upwards of $150,000 in extra interest over the life of a standard 30-year mortgage. That is money stolen directly from your lifestyle, your retirement, and your family’s future!

Credit Score Crimes is a tactical manual designed to stop the bleed. Written by expert advocates Kourosh and Kiavash Tabandeh, this guide exposes the simple, avoidable habits that algorithms equate with “unreliability” and provides the exact steps to kill them before they kill your future.

What You Will Uncover:

• The Inquiry Avalanche: Why “shopping around” for loans can make you look desperate to lenders and how to use the “180-Day Rule” to recover.
• The 30% Sweet Spot: How keeping your credit utilization below a specific ceiling instantly “thaws” your score.
• The “Forgotten” Small Default: Why a $50 gym fee can block you from the best rates for 5 years and how to negotiate a “Pay for Delete”.
• The Stability Scorecard: How frequent moves or career pivots signal 100% risk to a bank’s algorithm.
• The Ghost Identity: Why paying everything in cash makes you a mystery to banks—and why mystery equals an automatic “No”.

This guide isn’t about theory; it’s about Immediate Correction. Included is the Credit Command Center Worksheet, a rapid-repair drill to help you audit your report, decouple from high-risk associations, and move your score into the 600-1200 Freedom Zone.